shop online at www.missourivalleyshopper.com March 1, 2016 • Page 5 Estate Planning and Farm Transitions BROOKINGS, S.D. - South Dakota farmers and ranchers and their family members are asked to participate in an SDSU Extension survey regarding estate planning and transition planning. “Your input provides us with the current level of knowledge on the topic and drives the next generation of educational programming in this area,” said Heather Gessner, SDSU Extension Livestock Business Management Field Specialist. Gessner explained that planning for that transition is important to South Dakota’s next generation of farmers and ranchers. “The transition of land, equipment, livestock and personal assets to the next generation will occur in every family when the owners pass away. However, it is not an easy topic to think about, let alone discuss with family members,” she said. Transferring labor responsibilities and management decisions to a returning heir is also a large factor in a successful transition to the next generation. “This transition plan is usually left to chance and without a definitive plan,” Gessner said. She added that one of the main reasons families do not get their estate or transition plans written down and implemented is that the parents are unsure of their children’s expectations regarding the estate. “I have worked with many families that do not communicate their plans, so assumptions are made, and I believe many of those assumptions are incorrect,” she said. We want to hear from you In order to best serve families, SDSU Extension wants to know what the expectations of all family members really are, so they can provide the needed answers and information through estate planning and farm transition conferences. To accomplish this, all South Dakota farm and ranch families are asked to complete this online survey. There are sections for the parents (landowners), children returning to the farm, and those not returning to the farm (on-farm heirs and off-farm heirs), as well as the spouses of the children (again both on-farm and off-farm). The survey is designed to take 30 minutes or less to complete. niGrow SD 4-H Welcomes Mandy Stade & Hilary Rossow SD 4-H Welcomes Mandy Stade & Hilary Rossow Posted Monday, February 22nd, 2016 by SDSU iGrow Categorized: 4-H & Youth BROOKINGS, S.D. - South Dakota 4-H recently welcomed Mandy Stade & Hilary Rossow. Stade takes on a new role as the SDSU Extension 4-H Events Management Coordi- Tips to Save Money on Paying Debt (StatePoint) Over extending oneself on high-interest rate revolving debt purchases is not uncommon. Indeed, U.S. households who use credit cards have an average of $15,799 in credit card debt, according to the nonprofit Consolidated Credit Counseling. “If you’re not strategic about the way you make repayments, you could end up spending more paying down your debt, and at rates that may increase over time,” says Stephanie Cutler, vice president of Wells Fargo`s Personal Lines and Loans. If your high-interest rate revolving debt seems overwhelming or stressful, Cutler says to consider the following: Consolidate Debt Juggling multiple highinterest rate debts can be costly and confusing. With a personal loan, which often comes with a lower interest rate than what credit cards offer, consumers can take funds from the loan and pay off high-interest rate revolving debt, maintaining one monthly payment at a potentially lower interest rate. Additionally, some personal loans are offered with no origination or prepayment fees, which can help save money in the near- and long-term. Personal loans from Wells Fargo, for example, require no collateral to qualify and credit decisions can be made quickly. The bank can even pay off creditors directly, giving customers an opportunity to begin paying down debt on better terms right away. With loan amounts from $3,000 to $100,000, customers can customize the loan based on the amount needed, and loan terms up to five years. “Rolling your debt into a single loan won’t immediately reduce your debt, but it does offer a single predictable monthly payment,” says Cutler. “Plus, having just one bill can make tracking and payments easier.” With what you may potentially save on monthly interest payments over time, you can increase your cash flow, savings, or pay down more of the loan’s principal balance to see your debt shrink even faster. (Incidentally, personal loans are also a way to finance a major purchase, unexpected expenses like home or automotive repairs, or even medical expenses.) To calculate how a personal loan may save you money, visit wellsfargo.com to use their free Rate and Payment Calculator. More information about Personal Loans can be found at wellsfargo.com/personal-credit/ personal-loan. Track Spending While consolidating debt, don’t forget to adopt and maintain savvy spending habits. Be sure to keep track of where your money is and how you’re spending it. Use budgeting tools online to display deposits and spending by category. This information can help you spend smarter and increase what’s left at the end of each month to direct toward payments on your loan principal. “Even a little extra can go a long way to paying down debt sooner and less expensively,” says Cutler. “Consider setting up online automatic payments from your checking account to make the process simple and stress-free.” nator and Rossow is the new SDSU Extension 4-H Animal Projects Coordinator. “I am excited to welcome Mandy and Hilary to their new positions within South Dakota 4-H. They come with extensive experience, enthusiasm for their roles and passion to serve South Dakota’s youth,” said Peter Nielson, SDSU Extension 4-H Youth Development Program Director. More about Stade and Rossow Stade is not new to S.D. 4-H. Since 2011 she has served as SDSU Extension 4-H Youth Program Advisor in Lake and Moody Counties. Stade is an Agricultural Education, Communication and Leadership graduate of South Dakota State University (SDSU). Rossow is also an Animal Science graduate of the SDSU; she is currently pursuing a Masters of Business Administration in Human Resources Management. A native of South Dakota, Rossow will be relocating back to South Dakota from Lakefield, Minn., where she worked in the human resources field. Both Stade and Rossow will office on the campus of SDSU. niGrow If you read this you know... advertising pays! Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton To pay down credit card debt, consider all your alternatives with your lender and your personal spending habits. MV Shopper MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y Utica Township will meet as a Board of Equalization Tuesday, March 15th, 2016 7:00 - 8:00 p.m. www.koletzkyimplement.com • sales@koletzkyimplement.com Ask for Leroy, Nick or Jae (605) 665-3872 • (800) 827-9700 FIELD READY FIELD READY FIELD READY FIELD READY ‘11 White 8222 12R30 w/Suncos, only 3,400 acres $45,000 ‘11 Kinze 3660 B.F. Mech., Clean Sweep Martins, Precision 20/20 $105,000 ‘01 White 8524 24R30, 3 BU. Boxes, Hyd. Drive, $69,500 ‘99 CIH 955 16R30 w/ LF, Friesen tool bar, Rebuilt! $35,000 Utica School Complaints on your assessment need to be made no later than Thursday, March 10th, 2016 in writing to Daniel Cwach Utica Township Clerk, • 605-660-0545 30627 439th, Yankton, SD 57078 Think Spring!! Large Selection! Check it out today! RIVERCITY Treasures & Pawn 301 E. 3rd Street, Yankton, SD 665-3588 Joins us to celebrate our 54th annual 2302 East Hwy 50 • Yankton, SD •605-665-3872 parts@koletzkyimplement.com www.koletzkyimplement.com • Best discounts of the year if merchandise is paid for by March 5, 2016 • 10% off filters ALL MONTH OPEN HOUSE Feb. 29 - March 5, 2016 PARTS BLOWOUT (Cash & Carry) CALL AHEAD: We’ll have your order ready to pick up • Planter Tru-V Disc Openers • Windrower guards NH - Case IH35mm (30% off list) Hesston slashed to $11.50(w/Disc) 15”10-gauge HD $22.95 (w/Disc) • Krause & Landoll Razor Edge Disc (Fits Kinze, JD, White Blades 22” - 6ga. $34.25 (w/Disc) 6000-8000 series) 24” - 1/4” $42.75 (w/Disc) •Stock parts 10% cash discount •Hyd. Hose Assemblies 25% off list • Oil & Grease 10% cash discount • Farm Toys 10% cash discount Lunch Served: Tuesday, March 1st • 11:00 a.m. - 2:00 p.m. DON’T FORGET TO MARK YOUR CALENDARS February 29 - March 5, 2016 PLANTERS ‘11 White 8222 12R30 w/Suncos, only 3,400 acres ..................$45,000 ‘11 Kinze 3660 B.F. Mech., Clean Sweep Martins, Precision 20/20 .......................................................................$105,000 ‘10 White 8222 12R30 Wing Fold Suncos, 3,322 acres ............$45,000 ‘10 Kinze 3600 16R30 w/ Suncos, 4,090 acres ........................$75,000 ‘06 Kinze 3600 16R30, KPMII...................................................$59,500 ‘04 Kinze 3600 16R30 w/Interplant ...........................................$65,000 ‘03 Kinze 3200 Planter 12R30, Liq. Fert. ..................................$39,500 ‘02 Kinze 3700 24R30, Martin Row Cleaners, field ready ........$69,500 ‘01 White 8524 24R30, 3 BU. Boxes, Hyd. Drive, field ready ....$69,500 ‘01 Great Plains 25F-24, 24’ drill, 7½ spacing, 11,543 acres ....$22,500 ‘99 Kinze 3500 8R w/Interplant.................................................$35,000 ‘99 CIH 955 16R30 w/ LF, Friesen tool bar, Rebuilt! .................$35,000 ‘96 White 6100, 12R30, w/Sunco Planter .................................$12,500 ‘95 White 6100 8R36, w/ 7 Row Splitter ....................................$11,500 White 6100 12R30 Planter ...................................................... $12,500 ‘88 White 5100 12R30 Vertical Fold ............................................ $7,500 ‘82 White 4R38” Furrow Openers................................................$4,500 GRAIN HANDLING New Loftness 20’ Standard or Windrow Shredders Available ‘12 Harvest International H1062 Auger w/swing hopper ............. $7,950 ‘12 Westfield MK130-111 Auger ................................................$19,500 ‘11 Harvest International H1082 Auger w/power mover ..............$8,950 ‘10 Westfield MK 130x111 plus w/power mover, rebuilt ............. $17,500 ‘09 J&M 1000 Grainstorm Grain Cart .......................................$22,500 ‘09 Demco 850 Grain Cart w/Tarp ............................................ $27,500 (2) ‘09 Demco 1050 Grain Carts, 1 red, 1 green ..............each $34,500 ‘05 J&M 525 Grain Cart w/Tarp ................................................$12,500 ‘04 Farm King Y1385 w/remote swing hopper, rebuillt ..............$13,900 ‘04 Kinze 1050 Grain Cart w/Tarp & Scale, Sharp!...................$42,500 Demco 365 Gravity Wagon .........................................................$3,950 ‘00 Sunflower 8781 650BU Grain Cart, New Lower Auger .......$12,500 ‘97 Brent 470 Grain Cart w/tarp ................................................$10,500 TRACTORS ‘14 Versatile 260, MFD, Cary over ...........HUGE DISCOUNT $138,500 ‘12 NH T7.260 MFD, 798 hrs. ..................................................$125,000 ‘11 NH T5070 Deluxe MFD w/Loader .......................................$59,000 ‘06 CIH MXU125 MFWD, Duals, Cab/Susp, 1,662 hrs. ............$69,500 ‘06 NH TL100A MFWD, P. Reverser, Ldr., 829 hrs., 98 HP........$49,000 ‘01 NH TM125 MFD w/Creeper, 8,757 hrs., New Paint! ............$39,500 ‘96 White 6144 MFD w/Loader, 6,345 hrs. ................................$42,500 ‘96 NH 8670 MFD/SS, New Engine .........................................JUST IN ‘82 IHC 5488 w/Duals, 8,902 hrs. .............................................$22,500 ‘79 JD 2240 Utility.....................................................................$12,500 ‘71 Massey Fergusen 1080 w/cab, 8,388 eng. hrs. .....................$5,900 ‘71 Ford 2000 Gas, 8 speed, P.S. ...............................................$4,500 ‘60 Ford 971 Select-O-Speed ............................................ COMING IN ‘53 AC WD45 WF, 3pt. O/H .........................................................$4,500 ‘44 IHC H Wide Front ...............................................................JUST IN HAY EQUIPMENT 0% FOR 4 YEARS WAC (2) ‘14 NH BB330 Lg. Sq. Balers, 7,000 bales ..................each $84,500 ‘14 NH SR200, S.P. Windrower, A.S., 416 D.H., 380 eng. hrs .$125,000 ‘13 NH BR7090 Specialty Crop, Lg. Rd. Baler, 3,500 bales......$29,500 (2) ‘11 NH H7460 16’ Discbine, 2 pt., Sharp!............................. $27,900 ‘11 NH H8060 w/416 Head, 700 hrs..........................................$95,000 (4) NH 1475’s 14’ & 16’, Mower Conditioners .............starting at $9,500 (3) ‘13 NH BB330S, Lg. Sq. Balers ..........................starting at $62,500 ‘07 NH BB940A Lg. Sq. Baler, 28,650 Bales ............................$49,500 HAY EQUIPMENT 0% FOR 4 YEARS WAC (CONT.) ‘04 Hesston 4750 Lg. Sq. Baler, 24,460 Bales..........................$49,500 ‘04 NH BB940A Lg. Sq. Baler, 32,506 Bales ............................$45,000 ‘03 NH BR780 Lg. Rd. Baler, 8,460 Bales ..................................$9,500 ‘02 CIH RBX561 Lg. Rd. Baler..................................................$10,500 ‘02 CIH LBX431 Big Sq. Baler, 27,470 Bales, Rebuilt ...............$49,500 ‘00 CIH RS561 Lg. Rd. Baler ...................................................... $7,950 ‘99 Hesston 514 Lg. Rd. Baler ....................................................$6,950 ‘99 CIH 8575 Lg. Sq. Baler, 19,100 Bales ................................. $37,500 ‘96 NH 664 Rd. Baler, Bale Command, Twine, 21,861 Bales .....$4,950 ‘94 NH 216 Twin Bar Rakes ........................................................$9,500 ‘92 NH 660 Rd. Baler, Auto Wrap, ..............................starting at $4,500 NH 456 9’ Trailing Sickle Mower .................................................$3,000 COMBINES 0% FOR 5 YEARS AVAILABLE ‘14 NH CR8090 309/239 hrs., RWA/Auto Steer, PSD Chopper$299,500 (2) NH 99C Chopping Head, 12R30, low acres ...... Starting at $79,500 ‘10 NH CR9070 1,188 eng. hrs., 780 sep. hrs. ........................$179,500 ‘08 NH CR9060 1,650 Eng. hrs., 1,176 Sep hrs......................$149,500 ‘03 NH 74C 30’ Flex Head, field ready ......................................$19,500 ’98 NH TR88 2,780 eng. hrs., 2,086 Sep. hrs., field ready ........$49,500 ‘97 NH TR98 3,078 eng. hrs., 2,247 Sep. hrs., field ready.........$49,500 (2) NH 880CF Flex Draper 40’ + 45’ ................................each $65,000 (4) NH TR86 ........................................................... Starting at $12,500 TILLAGE NEW Krause & Landoll Tillage Equipment Available ‘11 Brillion Pulverizer, 42’ Land Roller .......................................$24,500 ‘11 JD 637, 37’ x 10” Disc w/Harrow ..........................................$49,500 ’11 JD 512 Disc Ripper Disc, 22’x6”..........................................$49,500 ‘09 Krause 8200 34’ Disc w/Harrow ..........................................$42,500 ‘04 Sunflower 1434 26’ Disc w/Harrow .....................................$29,500 ‘04 Red Ball Strip Till, 8R30, 3PT ...............................................$8,500 ‘03 Sunflower 1434 Disc 26’ Harrow, All New Blades ...............$40,500 ‘98 Krause 4231 HR 31’ FieldCult.............................................$12,500 ‘98 Sunflower 6432, 33’ Field Finisher ......................................$22,500 ‘96 Krause 6171 31½’ Soil Finisher ..........................................$29,000 ‘95 JD 635 21’ Disc, New Blades, Bearings, Harrow teeth .......$24,500 DMI 527B Disc Ripper 5 Shank Shear Bolt ..............................$14,500 ‘88 Sunflower 5131, 24’ FC, w/3 Bar Harrow ............................$10,900 ‘84 IHC 496 19½’ Disc ................................................................$6,950 CIH 3950, 34’ Disc w/Harrow .................................................... $27,500 SKIDLOADERS • LAWN MOWERS (3) ‘14 NH L218 Open Cab 1,933 to 2,338 hrs................ From $23,900 ‘13 NH L218 Cab/Heat, 782 hrs. ............................................... $27,500 ‘13 NH L225, Cab/Heat, 192 hrs ...............................................$39,500 ‘12 NH L218 Cab/Air/Heat, 2 spd., Hydraulic Attach, 1,050 hrs.$29,500 ‘11 NH L218 Cab/Air/Heat, Hydraulic Attach, 951 hrs. .............JUST IN ‘11 NH L230 Cab/Air, 850 hrs, sharp ........................................$41,500 ‘11 NH L220, Cab/Heat, hyd. detach, 1,698 hrs ........................ $27,500 ’10 NH L185 Skidloader, 2,240 hrs ...........................................$23,900 ‘07 NH L160, 1,135 hrs. ............................................................$19,500 ‘06 NH L170 Cab/Heat, Hydraulic Attach, 1,860 hrs. ...............JUST IN ‘15 Grasshopper 727K efi, 52” rear discharge, 88 hrs.................$9,950 ‘10 JD Z465 424 H.P., 297 hrs., 62” deck....................................$3,950 ‘10 Grasshopper 620T 52” Power Fold, 143 hrs ......................... $7,950 ‘07 Grasshopper 620T 52” Power Fold, 611 hrs .........................$5,950 ‘94 NH LX865 .................................................................... COMING IN ‘95 NH LX885, Cab/Heat, 2,025 hrs. ........................................$20,500 2302 East Highway 50, Yankton, South Dakota